How Good Of A Credit Score To Buy A House May 2026

Typically required for automated approval; lower scores may need manual review. 700+

Your credit score doesn't just determine you get a loan, but also how much it costs . What credit score is needed to buy a house? | Fidelity how good of a credit score to buy a house

Higher requirements for luxury homes exceeding standard loan limits. Why Your Score Matters Typically required for automated approval; lower scores may

Lenders often set their own "overlays"—internal requirements that may be 20–40 points higher than the official program minimums listed below. Minimum Credit Score Key Details 620 Typically required for automated approval

While a score of is considered "good" by general standards, a 740+ score is typically required to unlock the most competitive interest rates and terms. Minimum Credit Scores by Loan Type